As a company director or senior manager you may have a finance team responsible for financing expansion and developments. You may also have an HR team responsible for employee benefits. Or you may be the only person responsible for all those subjects.

We have worked with a number of companies of varying sizes in different sectors, helping them to put in place arrangements to benefit and protect their employees and their business.
Unless you are part of a very large company it is likely you will need external advice in specialist areas. For example, are you happy that:

  • You are meeting your obligations to provide for employee pensions
  • Your employees understand their pension benefits?
  • You are protected if one of your key employees or fellow business partners falls sick?
  • That you are getting the best deals on commercial or property finance?
Please see below how we can help your company.
As an employer you have legal obligations to enrol employees into a pension scheme and to make contributions on their behalf. Many companies have opted to use low-cost auto-enrolment schemes run by companies such as The People’s Pension or NEST. Whatever you have opted to do we can review your arrangements and answer any questions you may have.

We can also run seminars to help your employees understand what is being provided, how they can participate and how to plan for and approach retirement.

Auto enrolment is not regulated by the Financial Conduct Authority
We can help set up and run separate company pension schemes for senior employees if you wish to do so. In this case we would provide advice on which fund manager to use and how to invest the funds. We would then monitor the fund performance, report back to the employees involved and recommend any changes as markets and circumstances change.

A pension is a long-term investment. The fund value will fluctuate and may go down. Future income payments will be affected by the size of the fund at retirement, future interest rates and tax legislation.

Your employees are all important to your business and if any of them fall sick your business could suffer, especially if they are major shareholders, fellow directors or senior managers.  We can help your company protect itself with policies such as:

  • shareholder protection – this insurance provides a lump sum for the remaining partners, shareholding directors or members on the premature death of an insured business owner. The sum can be used to purchase the deceased person’s shareholding, thus allowing the remaining business owners to retain control of the business.  The cover is paid for by the business and can also be extended to include critical illness cover.
  • relevant life / key person insurance – this is when a life assurance policy is taken out by a company to cover a key employee. In the event of premature death the company receives a lump sum which can be used to cover the costs of replacing the key employee on a temporary and permanent basis.   It is paid for by the company and can also be extended to include critical illness cover.

These insurance policies have no cash in value at any time and will cease after a claim or at the end of the term. The cover will lapse if premiums are not maintained.

We can provide private health care insurance for your employees either directly or via a specialist broker.


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